Blogs
What is “Reasonable Continuity” for the Purposes of Defining Disability?
Many long-term disability insurance policies define disability as the inability of claimants to perform with “reasonable continuity” the essential tasks and functions of their occupations...
Is Discovery Available in a Federal Court Suit on the Denial of Long-Term Disability Benefits?
ERISA governs most long-term disability insurance policies that you purchase or receive through your employer. As a result, administrative and court appeals of the denial...
What is the Difference Between Social Security Disability and Long-Term Disability Benefits?
Both Social Security Disability Insurance (SSDI) and long-term disability benefits provide income when individuals become disabled and unable to work. However, there are critical differences...
What Are Common Long-Term Disability Policy Exclusions?
Long-term disability insurance provides individuals with benefits when they are unable to work for a lengthy amount of time due to injury or illness. However,...
How to Read an Auto Insurance Declaration Page
Most auto insurance policies are lengthy, complicated, and written in legal language that consumers may not easily understand. As a result, few people bother to...
Is It Worth Paying for Long-Term Disability Insurance?
According to an NPR article, while about 65% of people surveyed believe that people should have long-term disability insurance, only about 48% of those people...
If I Miss the Deadline for an Administrative Appeal of the Denial of Long-Term Disability Benefits, Is It Enough for Me to Be in Substantial Compliance with the Deadline?
Most employer-sponsored long-term disability plans are subject to the ERISA, or the Employee Retirement Security Act. ERISA provides for precise and stringent deadlines on both...
What is Underinsured Motorist Coverage?
Underinsured or uninsured motorist coverage is a form of motor vehicle insurance that is optional for drivers to carry. However, this insurance coverage can be...
What is the Difference Between Appealing Denials of Private Disability Benefits and ERISA-Governed Benefits?
Individuals may purchase private disability benefits policies, or their employers may offer disability insurance plans as a benefit of their employment. In most cases, employer-sponsored...
What is a Neuromusculoskeletal Limitation in an LTD Policy?
Some group long-term disability policies contain neuromusculoskeletal restrictions, which limit the duration of benefit payments for some related medical conditions, usually to 24 months. These...
Reviewing Your Long-Term Disability Coverage
Long-term disability benefits replace a portion of your income if a medical condition makes you unable to work for some period. Typically, these benefits replace...
What Remedies Are Available to Me if I Win My ERISA-Governed LTD Appeal in Court?
When you are denied long-term disability benefits under an ERISA-governed plan, you have the right to appeal that denial of benefits. Before you can file...